I am s 11:25 o relieved to have stumbled upon your videos and websites. I am widowed 75 with health problems and credit card debt that is causing increasing stress, worry and guilt over my situation. My only income is social security and a pension from my late husband. My home has been in an Irrevocable Trust for 3 years. I'm going to spend more time reviewing the information available on your websites. I wanted to thank you for providing these videos. I'm socially isolated and feel like I don't have anyone that is able to provide any support as I work through how to deal with this situation. I am so grateful for the resources you provide.
How is it legal for an attorney who is hired by a senior to go to court against a debt lawsuit, NOT TO TELL THE CLIENT his or her RIGHTS, or that he or she doesn't have to pay that debt? This is FAILURE TO REPRESENT YOUR CLIENT and MALPRACTICE!!
You have really help my mom for me. My dad a veteran over 25 years. He has passed away. She gets his retirement and her SS. Told her everything you have said about some debt😊
I told a collections my pension and SS were exempt and protected. He then said he would place a LEIN on my 2017 GMC. I told him the engine was blown and I can tow it to him. Never called back again. 🙌
actually, i called several attorneys recently due to debt issues as a senior, every one of them told me i was 'untouchable' and safe from prosecution. i was told to NOT pay the debt, and to NOT speak to any collectors, and to NOT respond to any mailed papers. i am still interested in filing bankruptcy, to clear my 'record' and give me some peace of mind.
Crooked local justice court judge ignored the binding arbitration clause from a credit card company because they claimed, in a court filing, that it would be too expensive for them and he then signed a judgement against me This was 2014. I flat told the judge and the credit card company that I had no money. The judge refused a face-to-face hearing on the merits of the case so I filed for bankruptcy. Funny thing was the amount I owed was about the same as what the banksters stole from me in the '07-8 economic meltdown. I have a 'Poor' credit rating at age 75. I have cash on hand for 3-6 months and a minimal amount in a bank and credit union. I have enough money for 3 squares and a warm/dry cot so I am wealthy.... I have a pickup with a camper with solar and can tow my 4x4 and park it for free in many areas. Life is good.
HELPS has videos with Senior Living that discuss this. Bottom line is that different state laws called exemption laws protect certain amount of equity in a persons property like a home or car. However it is not the practice for consumer judgment creditors to attempt to take a persons home or car even in instances where there is equity over the state protected amount. HELPS videos with Senior Living discusses this.
I’m 60. Am I considered a senior? We live off my husband’s Social Security disability check alone. He is 66. My name was on several credit cards that we have shredded months ago, but I don’t know if I fall under senior protection. Thank you for your help.
I just received a letter from a debt collector law group asking me to reply back with a dispute due on the 18 of Aug 2024. I am a senior and only have SS benefits and nothing else. How should I respond to this letter? Tell them that my income is protected and I know my rights or ? Please advise if you can help me. TY
What is a damage sum a senior can sue for if a debt collector is in violation of a federal act - like a copy of the phone discussion if threaten with suit and no e is ever filed . Tom
Student loan debt can be collected from Soc. Sec. and a federal pension using the Treasury Offset Program. They can attach up to 25% of each. What you are being told about credit card debt is true. Just know that federal debt is a whole different animal.
Um I'm being sued by a loco credit union, who was constantly messing up my power bills and other things and when I stopped going to that credit union and started going to a bank instead, the credit union started harassing me and calling me making all kinds of threats against me, and on Sunday I get a deputy at my door with a summons to court ,um am I protected against them,
"HELPS Non-Profit Law Firm" DOES charge for their services. I tried helping a friend by sharing this info and they told her that it would be $40 a month for two years, then $20 a month for four years. I called to verify that she understood correctly and they confirmed it. They are going to help seniors by billing them for SIX YEARS??? This was sooooo disappointing - I feel they (HELPS) are just as bad as the creditors. Seniors need to show up to court and handle their business, just like everyone else - bad move to allow others to make decisions against you because you were intimidated and didn't show up for YOUR court date. Please do your research seniors.
You may want to get your facts correct before making accusations and conclusions. At least one out of five HELPS clients receive our services at no charge. For those that pay it is based on household income. The most a person would pay to enroll in HELPS would be $40 for 24 months and then $20 for 24 months, then free thereafter. Not sure where you come up with six years. Many HELPs clients pay $10 or $20 per month over four years then free thereafter. We never turn any qualified person away. You might want to look at out reviews also. Seniors who receive protected income and who owe debt don't need to show up in court. They are judgment proof. Their income is protected. Seniors need to do their research and there is a HELPS website where you could spend hours and RUclips channel with scores if not hundreds of videos on different topics. Eric Olsen Executive Director HELPS
2 scruffy grisly bears. Looks very unbecoming It’s ok if your in your 20s or 30s maybe 40s But as you get up in age it looks just unkept. As you get older you should dress up more. If you want people to respect your authority. Just my experience in the fashion industry.
![We TEAR APART a debt collector lawsuit [Midland Credit Management]](/img/1.gif)
I am s 11:25 o relieved to have stumbled upon your videos and websites. I am widowed 75 with health problems and credit card debt that is causing increasing stress, worry and guilt over my situation. My only income is social security and a pension from my late husband. My home has been in an Irrevocable Trust for 3 years. I'm going to spend more time reviewing the information available on your websites. I wanted to thank you for providing these videos. I'm socially isolated and feel like I don't have anyone that is able to provide any support as I work through how to deal with this situation. I am so grateful for the resources you provide.
You're very welcome. We hope you're a subscriber!
How is it legal for an attorney who is hired by a senior to go to court against a debt lawsuit, NOT TO TELL THE CLIENT his or her RIGHTS, or that he or she doesn't have to pay that debt? This is FAILURE TO REPRESENT YOUR CLIENT and MALPRACTICE!!
You have really help my mom for me. My dad a veteran over 25 years. He has passed away. She gets his retirement and her SS. Told her everything you have said about some debt😊
I told a collections my pension and SS were exempt and protected. He then said he would place a LEIN on my 2017 GMC. I told him the engine was blown and I can tow it to him. Never called back again. 🙌
He couldn't place a lien, just a lying collector talking to intimidate someone . Eric HELPS
Debt collectors are some of the lowest lifeforms next to politicians, lawyers, and used car salesmen on this planet. Stay strong everyone.
Well at least they serve an underlying purpose. The debt collector I mean
@@wlonsdale1 Well said. 😄
Thank you -this information is a huge relief since I have a debt collector harassing me.
Good luck. Let us know how we can help.
actually, i called several attorneys recently due to debt issues as a senior, every one of them told me i was 'untouchable' and safe from prosecution. i was told to NOT pay the debt, and to NOT speak to any collectors, and to NOT respond to any mailed papers. i am still interested in filing bankruptcy, to clear my 'record' and give me some peace of mind.
Crooked local justice court judge ignored the binding arbitration clause from a credit card company because they claimed, in a court filing, that it would be too expensive for them and he then signed a judgement against me This was 2014. I flat told the judge and the credit card company that I had no money. The judge refused a face-to-face hearing on the merits of the case so I filed for bankruptcy. Funny thing was the amount I owed was about the same as what the banksters stole from me in the '07-8 economic meltdown. I have a 'Poor' credit rating at age 75. I have cash on hand for 3-6 months and a minimal amount in a bank and credit union. I have enough money for 3 squares and a warm/dry cot so I am wealthy.... I have a pickup with a camper with solar and can tow my 4x4 and park it for free in many areas. Life is good.
This is a great video for seniors
Thank you, For Your Counsel !!
You are so welcome. Thanks for watching our videos!
Also, many states have time limits that creditors can collect debts. Look up yours.
What about taking their home or car ? I have a mortgage but my car is paid for
HELPS has videos with Senior Living that discuss this. Bottom line is that different state laws called exemption laws protect certain amount of equity in a persons property like a home or car. However it is not the practice for consumer judgment creditors to attempt to take a persons home or car even in instances where there is equity over the state protected amount. HELPS videos with Senior Living discusses this.
I’m 60. Am I considered a senior? We live off my husband’s Social Security disability check alone. He is 66. My name was on several credit cards that we have shredded months ago, but I don’t know if I fall under senior protection. Thank you for your help.
I have the same question....on disability younger than 65. Is that protected Income?
Social Security income is protected regardless of a persons age. Eric HELPS
your wonderful for your info
Thanks
I just received a letter from a debt collector law group asking me to reply back with a dispute due on the 18 of Aug 2024. I am a senior and only have SS benefits and nothing else. How should I respond to this letter? Tell them that my income is protected and I know my rights or ? Please advise if you can help me. TY
what if a sr has to work?
What is a damage sum a senior can sue for if a debt collector is in violation of a federal act - like a copy of the phone discussion if threaten with suit and no e is ever filed . Tom
$1000 per violation plus attorney fees Eric HELPS
If a senior on social security has a part time job to supplement his SS, can that money be garnished etc?
Yes.
I think that would depend on what state you reside in.
Jeff, I think you can explain everything better than Eric,
Come on now. Today most seniors know how to look up words on the Internet that they don't know. They even have dictionaries!
Can they put a lien on your house if you are in Texas? Thanks.
Did you hear what he mentioned at 13:15 listen again, he specifically mentioned TX.
@@murphyrod4839 Thanks!
What about a parent plus loan
Is it federal?
Parent plus loans are federal and have different more strict rules that apply Eric HELPS
Student loan debt can be collected from Soc. Sec. and a federal pension using the Treasury Offset Program. They can attach up to 25% of each. What you are being told about credit card debt is true. Just know that federal debt is a whole different animal.
Can't you block numbers and text on your cell phone?
Yes, you should be able to.
Collectors call from hundreds of fake numbers that can’t be blocked. You can’t block a fake number.
Um I'm being sued by a loco credit union, who was constantly messing up my power bills and other things and when I stopped going to that credit union and started going to a bank instead, the credit union started harassing me and calling me making all kinds of threats against me, and on Sunday I get a deputy at my door with a summons to court ,um am I protected against them,
Try calling the HELPS Nonprofit Law Firm at 1-855-435-7787.
@@SeniorLivingOrg thx I think I will get with them and see if they can help me.
Discover's debt collector ne er informed me of my court date. Discover threatened to get a judgement against my home and car. I am not 65, I am 55.
call the HELPS Nonprofit Law Firm at 1-855-435-7787. Perhaps they could help.
Are unemployment benefits protected from debt collectors?
Call the HELPS Nonprofit Law Firm at 1-855-435-7787
Can a lien be put on my house?
Feel free to contact the HELPS Nonprofit Law Firm at 855-435-7787 for advice.
What about their domicile, home or car?
Ditto. I hope they answer these come comments.
They can only put a lien on those
you never address the person that might have to work etc
There are federal and state laws that protect certain sums of money from a job from garnishment. Eric HELPS
You can always change your number. That’ll work
"HELPS Non-Profit Law Firm" DOES charge for their services. I tried helping a friend by sharing this info and they told her that it would be $40 a month for two years, then $20 a month for four years. I called to verify that she understood correctly and they confirmed it. They are going to help seniors by billing them for SIX YEARS??? This was sooooo disappointing - I feel they (HELPS) are just as bad as the creditors. Seniors need to show up to court and handle their business, just like everyone else - bad move to allow others to make decisions against you because you were intimidated and didn't show up for YOUR court date. Please do your research seniors.
Thats a very low price for hiring an attorney. Some seniors need services like this to lessen their stress that is hurting their health.
You may want to get your facts correct before making accusations and conclusions. At least one out of five HELPS clients receive our services at no charge. For those that pay it is based on household income. The most a person would pay to enroll in HELPS would be $40 for 24 months and then $20 for 24 months, then free thereafter. Not sure where you come up with six years. Many HELPs clients pay $10 or $20 per month over four years then free thereafter. We never turn any qualified person away. You might want to look at out reviews also. Seniors who receive protected income and who owe debt don't need to show up in court. They are judgment proof. Their income is protected. Seniors need to do their research and there is a HELPS website where you could spend hours and RUclips channel with scores if not hundreds of videos on different topics. Eric Olsen Executive Director HELPS
Don't borrow money you can't pay back. Or charge stuff. UNLESS YOUR DYING OF CANCER OR SOMETHING ELSE..😊 THEN GO TO TOWN BABY..
2 scruffy grisly bears.
Looks very unbecoming
It’s ok if your in your
20s or 30s maybe 40s
But as you get up in age
it looks just unkept.
As you get older you
should dress up more.
If you want people to
respect your authority.
Just my experience
in the fashion industry.
Your writing appears unkempt also. By the way, the term is unkempt and not unkept. It's also grizzly not grisly. How old are you? 15?
@@haljordan777 94.
@@haljordan777
94 professor